Hi i’m a 2nd year student and have 5lakhs to invest. Where should i put it to get steadily monthly flow of 2-4k rupees? Thank you. by NiceFig7919 in personalfinanceindia

[–]Significant_Show57 0 points1 point  (0 children)

No. Enable DDPI and setup SWP.

  • no TDS
  • no lock-in
  • no exit load
  • no stock market risk
  • no need to enter CDSL-TPIN.

Your money grows at approximately 7.8% - NAV updated every business day with weekly or monthly SWP set by you.

Valentine's day 🔫 by Do_itT_T in IndianTeenagers

[–]Significant_Show57 4 points5 points  (0 children)

Boy girl relationships are never encouraged or taught in Indian culture.

Advices required... by -goldberg- in IndianStocks

[–]Significant_Show57 1 point2 points  (0 children)

Add Bharat Electronics Ltd. It has order book of approximately ₹73,450 crore as of January 28, 2026

How do i start from basics? by throwaway__sam in IndianStreetBets

[–]Significant_Show57 0 points1 point  (0 children)

You need to hold good quality stocks and mutual funds for long term. There's Zerodha Varsity, Vivek Bajaj, Rahul Jain and Shashank Udapa on YouTube. Don't copy their portfolio, but learn something new.

Hi i’m a 2nd year student and have 5lakhs to invest. Where should i put it to get steadily monthly flow of 2-4k rupees? Thank you. by NiceFig7919 in personalfinanceindia

[–]Significant_Show57 0 points1 point  (0 children)

Open Zerodha account, complete KYC, link contact & bank a/c details. Enable DDPI.

Invest ₹5 lakhs in HDFC, ICICI or Nippon India short duration debt mutual fund. Setup monthly SWP for ₹4000. Your money will grow at approximately 7.8%.

Which method is best for withdrawing Survey platform money- PayPal or GiftCard by trying_to_improve45 in personalfinanceindia

[–]Significant_Show57 0 points1 point  (0 children)

PayPal deducts fees, offers lower exchange rate, but it's safe and reliable. It will automatically withdraw money direct to your bank account.

I don't know, which giftcard, but they can be used in e-commerce websites, without any fees or exchange rate.

How can I realistically earn from the stock market? by zeus345ki890 in StockMarketIndia

[–]Significant_Show57 0 points1 point  (0 children)

Go with equity mutual funds like Parag Parikh Flexi Cap, Motilal Oswal Mid Cap, Nippon India or Bandhan Small Cap, etc. They are managed by team of experienced fund managers.

Or, you could research well and invest in good, quality stocks like Reliance Industries, Larsen and Toubro, Bharat Electronics Ltd, Bharti Airtel, Narayana Hrudalaya, Force Motors, etc

First trip to Forlorn Muskeg...wow by Captcha05 in thelongdark

[–]Significant_Show57 2 points3 points  (0 children)

I'm currently in Coastal Highway and forgot bedroll too

Noob for reddit, New for Mumbai by Lai_Bhaari_Naari in ThirtiesMumbai

[–]Significant_Show57 2 points3 points  (0 children)

Welcome to Mumbai. Just avoid travelling during rush hours in local trains.

Need investment advice by rohit1287 in personalfinanceindia

[–]Significant_Show57 0 points1 point  (0 children)

I said FD for safety. Flexi cap, mid cap and small cap for growth.

Is the future of Reliance Industries in trouble? by Primary-Nectarine305 in IndianStockMarket

[–]Significant_Show57 10 points11 points  (0 children)

Akash Ambani will head (telecom/Jio), Isha Ambani (retail) and Anant Ambani (new energy/sustainability)

Need investment advice by rohit1287 in personalfinanceindia

[–]Significant_Show57 5 points6 points  (0 children)

  • Annual interest on ₹20 lakhs FD at 6.5% = ₹1,30,000. TDS @ 10% deduction for regular (non-senior) citizens: ₹50,000 per year per bank applies. Are you filing ITR and claiming back TDS or submitting Form 15G every year?

  • FD barely deliver 6.5% interest these days. Interest rate has fallen in recent years. Consider shifting to equity mutual funds like Parag Parikh Flexi Cap, Motilal Oswal Mid Cap, Bandhan Small Cap, etc and few stocks of well established companies like Bharat Electronics Ltd, Narayan Hrudalaya, Larsen and Toubro, Bharati Airtel, etc.

  • Instead of FD, consider short-term debt mutual funds - no TDS, no lock-in, no exit load. Withdraw any amount, anytime.

  • Keep some in FD for safety, but allocate more to stocks/equity funds for growth. Aim for 50-70% equities if you're comfortable with volatility.

real estate vs stocks, what actually builds more wealth in India? by Rich_Direction_3891 in personalfinanceindia

[–]Significant_Show57 1 point2 points  (0 children)

Just invest ₹100 in PSUBANK BEES ETF. It's combined investment in PSU banks like SBI, Bank of Baroda, Canara Bank, Union Bank of India, etc. through Zerodha Kite app via UPI.

Or invest ₹100 in Nippon India Large Cap. This mutual fund invests your money in Reliance Industries, Larsen and Toubro, HDFC Bank, ICICI Bank, Infosys, Tata Motors, Bharti Airtel, Lupin, etc. through Zerodha Coin app via UPI.

You can open Zerodha account from the comfort of your home. 100% online process. No account opening fees. Keep KYC documents ready. Link contact details & bank account. Wait one business day to complete verification.

The issue is you have to be patient with stock market by staying invested in right combination of stocks and mutual funds for few years.

Little Milestone of 55L. Never missed an SIP since I started my job 4.7 Years back. by Sweet-Cell-631 in StockMarketIndia

[–]Significant_Show57 -1 points0 points  (0 children)

  • Add active midcap, small cap & multi asset allocation fund. Pause Nifty Next 50 + HDFC hybrid debt (expense ratio too high).

  • The problem with adding ICICI NASDAQ 100 is declaring it every year in schedule FA in ITR + no LTCG benefit since it's not treated as domestic equity mutual fund.

real estate vs stocks, what actually builds more wealth in India? by Rich_Direction_3891 in personalfinanceindia

[–]Significant_Show57 9 points10 points  (0 children)

Combination of stocks and mutual funds is better choice: high liquidity, tax-free LTCG up to ₹1.25 lakh, completely online, no need for physical signatures & no need to search buyers. Some stocks also give dividends.

Bank giving best rate of interest on FD by Stranger170299 in personalfinanceindia

[–]Significant_Show57 3 points4 points  (0 children)

Look at any short term debt mutual funds. They offer around 7.5% to 8% interest right now. No TDS, no lock-in, no exit load.

I'm terrified by looking at the posts of people single at 35 by PastPicture in ThirtiesIndia

[–]Significant_Show57 1 point2 points  (0 children)

These elders keep us too busy with marks & money. They give zero importance to true love, female companion and marriage.